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Smarter renovation financing. Trusted by your fellow homeowners.

Get competitive financing. Find local contractors. Enjoy industry-leading consumer safeguards.

See what financing is available in your area.

You can start (and finish) home renovation projects with confidence.

Find contractors you’ll refer.
Search for contractors based on location, specialization and more.

Find a Contractor

Keep more money in your pocket.
Renovate America offers competitive, fixed rate financing with no money down.

Get Financing

Get the final say on your projects.
Your contractor will not be paid until you sign off the project is completed to your satisfaction.

Pick a Project

Government Building

Let's compare: how Renovate America financing stacks up.

A new way to pay for home efficiency upgrades, for homeowners with equity.
Looking to lower utility bills? We offer competitive rates with no money down for energy-efficient home upgrades. HERO eligibility is primarily based on home equity, household income, product eligibility, and debt payment history, rather than credit score.
Benji Logo
Traditional financing for almost any type of home improvement.
Looking for competitive rates for almost any home upgrade? Eligibility for Benji financing is based on your credit, and you can apply through any contractor in the Renovate America network.
Financing options comparison chart - HERO & Benji

1 Please consult your tax advisor to determine if you may be eligible for tax benefits.

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When you upgrade your home, you upgrade your life.

Lower utility bills.
Solar panels
Heating & AC
Windows & doors
Roofs & insulation
Ducts & ventilation

Live comfortably.
Remodels & additions
Decks & patios
New floors
Bathroom & kitchen upgrades

Improve curb appeal.
New siding
Sidewalks and driveways
Blinds and shutters

We’re not satisfied unless our customers are satisfied.

Before & After: Big Energy Savings with Home Upgrades

Improving your home improvement experience.

See the many ways you can boost your home’s energy efficiency and increase your curb appeal at the same time.

Read More

Looking to replace your old HVAC system? We’ve got an infographic with handy tips on how to make your upgrade a breeze.

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Your neighborhood can be a huge asset when you’re about to renovate. Check out our tips on how to include your neighbors, get contractor recommendations, and more!

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Two financing options. Endless opportunities.


Contractor HERO Financing

Contractors: join forces with a leader in home improvement financing.


HERO is a property assessed clean energy financing program administered by Renovate America. Benji refers to two separate financing products: unsecured financing offered through Renovate America Financing and participating home improvement contractors, and secured loans made by Connexus Credit Union, a Wisconsin-chartered credit union. Renovate America Financing is a wholly-owned subsidiary of Renovate America. Renovate America and Renovate America Financing are not affiliates of Connexus Credit Union or any home improvement contractors.

California Department of Business Oversight License # 60DBO – 91914